Just called BofA, gave them financials again (the same ones I gave them first time around, which were accurate btw), and said I'd be happy with any portion of the missing CL back.

They reinstated the whole thing.

They did ask what I would use the credit for, and I said that the 1.99% BT offer that came the same day as the CLD looked interesting, but that I wouldn't want to try this with just a $9K CL.

I honestly thought that they might go $12K or something, but not the full amount.

OK, time to go see what needs pulling off the HELOC and repaying.

eta: Holy crap, the reinstated CL already shows online. I tried to pay my balance, but it's already too late for it to show today (without going through paying from my bank site), but that's OK, it will go back to $0 (briefly) when the statement drops next week.

Re: Bank of America $23,500 CLD

One thing to watch out for: I had a $7 balance when I called, and paid it off a few days later. I just use that card to pay for (of all things) my wife's ScoreWatch, and then pay it off before they report, so it shows usage but reports a $0 balance. Well they reported the day after they reinstated my CL (mid-cycle), and my EQ FICO score dropped 13 points because of the balance increase!

Re: Bank of America $23,500 CLD

Mike14 wrote: One thing to watch out for: I had a $7 balance when I called, and paid it off a few days later. I just use that card to pay for (of all things) my wife's ScoreWatch, and then pay it off before they report, so it shows usage but reports a $0 balance. Well they reported the day after they reinstated my CL (mid-cycle), and my EQ FICO score dropped 13 points because of the balance increase!

Good point!

I already got hit by this when they updated with the new, unimproved $9K CL. I tried to pay off the balance today, but somehow, by 3:36 Eastern they were no longer crediting payments to today's date. I could have forced the payment through today from my bank site, but the statement drops on the 2nd or 3rd, so it will catch up them.

But yes, BofA does multiple mid-cycle updates, and they do them quick like a bunny, so be prepared, whether you're hit with a CLD or a restored CL.

Re: Bank of America $23,500 CLD

I never noticed them reporting mid-cycle before, but then, I had let my card go dormant for several years then started using it and paying it right away just a few months ago. Maybe they just never reported between the charge and my payment. Anyway, I hope the drop won't prevent me from getting a mortgage pre-approval this weekend!

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